In addition to health care reform, there's lots going on in the employee benefits world. Introducing the third annual ABC's of employee benefits:

* Accountability is working. Whether in health and welfare or wellness, employers are holding employees accountable for good health more than ever. According to the 2013 Towers Watson/National Business Group on Health Employer Survey on Purchasing Value in Health Care, average total health care costs per active employee are only expected to increase 5.1% in 2013, the lowest increase in 15 years.

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